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Doesn’t my mortgage provider carry out a survey?

Yes, when you ask a mortgage company to lend on a house they will carry out a valuation before they make a formal mortgage offer. However, you should not rely on this because it is not a proper house survey and it’s carried out for the benefit of the lender not you – even though you may be asked to pay for it.

This survey does not provide any information about the condition of the home you are considering buying, it only provides a value so the lender can be sure about the property they are lending on.

It might be tempting to rely on this survey rather than pay for an additional survey, but that won’t give you the information you need to properly assess the condition of a house or apartment.

Paying for a survey before you buy a home really can save you a lot of money in the long run, so it’s simply not worth skipping, especially if you are buying an older, existing property where there is more chance for issues to have developed.